Protect your family's income and future.
DadPlans connects you with specialist financial protection advisers who understand what dads need. Income protection, life cover, critical illness. You speak with a real person and decide what suits your family.
Income protection cover
If illness or injury stops you working, the right policy replaces a portion of your income so your family is not left without.
Life cover for your dependants
Ensure your partner and children are financially protected if the worst were to happen to you.
Quick connection
Speak with a specialist financial protection adviser within 24 to 48 hours.
Why DadPlans
A straightforward route to the right cover
Financial protection products are complex and often sold without proper comparison. Our specialists know the market and find the most appropriate cover for your income, your family and your employment type.
Response time
24-48h
After submitting your details.
Service
100% free
No fees charged by DadPlans.
Commitment
None
You decide whether to proceed.
No payment is requested on this site. You speak directly with a specialist adviser if you choose to proceed.
Three steps to protecting your family
Tell us about your situation
Your income, employment type, family setup and any existing cover. Takes about 3 minutes.
We match you with a specialist adviser
Our network of protection specialists reviews your profile and identifies the most appropriate options.
You receive a clear recommendation
A specialist contacts you within 24-48h. No jargon. No pressure. You decide what suits your family.
Free, no commitment. Response within 24-48h.
Understanding your family protection options
Protection products vary significantly between providers and policies. A specialist helps you understand what is genuinely appropriate for your income, your family and your circumstances.
Income protection
Pays a monthly benefit if you cannot work due to illness or injury, typically 50-70% of your income, until you return to work or retire.
Critical illness cover
A lump sum paid on diagnosis of a specified serious condition such as cancer, stroke or heart attack, giving you financial breathing space.
Life insurance
Provides a lump sum or regular income to your family in the event of your death, covering the mortgage, childcare costs and everyday expenses.
Family income benefit
Pays a regular monthly income rather than a lump sum, making it easier for families to manage ongoing costs after bereavement.
Relevant life policy
For directors and business owners, a tax-efficient way to provide death-in-service benefit through your company.
Whole-of-market advice
Our specialists are not tied to a single insurer. They compare the full market to find the most appropriate cover at the right price.
Dads who protected their families before they needed to
"I had put off income protection for years because I found it confusing. My DadPlans adviser explained the difference between own-occupation and any-occupation policies clearly. Sorted within a week."
"I realised my employer sick pay only covered 6 weeks. My adviser found me income protection that kicks in after week 4 and covers me until 65. Exactly what I needed and much cheaper than I expected."
"I wanted life cover and critical illness under one policy but had been quoted wildly different prices. DadPlans connected me with a specialist who found the right combination at a price that made sense."
Testimonials are illustrative and recreated for demonstration purposes.
Your protection questions answered
What is the difference between income protection and critical illness cover?▼
Income protection pays a regular monthly benefit if you are unable to work due to illness or injury, and continues to pay until you recover or reach your agreed retirement age. Critical illness cover pays a one-off lump sum if you are diagnosed with a specified condition such as cancer, stroke or heart attack, regardless of whether you are able to return to work. Many families benefit from having both, but a specialist can advise on what makes most sense for your situation.
How much income protection cover do I need?▼
Most policies replace between 50% and 70% of your gross income, which is the maximum most insurers will offer. You should consider your fixed outgoings (mortgage, rent, childcare, utilities) and how long your employer would pay sick pay. A specialist will help you calculate the right benefit level and deferred period for your specific circumstances.
I am self-employed. Can I still get income protection?▼
Yes. Income protection is arguably even more important for the self-employed, who have no employer sick pay to fall back on. Insurers will typically base the benefit on your average net profits over the previous one to three years. A specialist who works with self-employed clients will be able to identify the most appropriate policy.
Is DadPlans a financial adviser?▼
No. DadPlans is a free introductory service that connects you with specialist financial protection advisers. We do not provide regulated financial advice ourselves and we are not authorised or regulated by the Financial Conduct Authority. Every adviser we introduce you to is independently FCA-authorised.
Does DadPlans charge anything for this service?▼
No. DadPlans is entirely free to use. We connect you with specialists at no cost to you. There is no obligation to proceed after the initial conversation.
What happens if I already have cover through my employer?▼
Many employer schemes provide basic death-in-service or short-term sick pay, but these often fall well short of what your family would actually need. A specialist will review your existing cover and identify any gaps. You may only need a top-up policy, which keeps costs down.
Ready to protect what matters most?
Three minutes to complete. A specialist contacts you within 24-48 hours. No commitment required.
Get connected with a specialistFree service. No fees. No obligation.
DadPlans is not a financial adviser and does not provide regulated financial advice.
DadPlans is a free introductory service connecting you with specialist financial protection advisers. DadPlans is not authorised or regulated by the Financial Conduct Authority (FCA). Our partners are independently authorised and regulated. Always verify the regulatory status of any adviser at register.fca.org.uk.